Purpose

FSG, through its advisors and the support personnel, collect
personal information from you for the purpose of offering you
financial planning advice, and implementing your financial plan
through the purchase of applicable financial products and ongoing
services.

In certain situations, other data, such as health information,
will be collected should you wish to implement certain security
products, such as Critical Illness, Life Insurance, Disability
Insurance or Long Term Care Insurance.

Your personal information will be commingled for record-keeping
purposes (both electronically and physically). Spousal information
(unless you provide us with a notice to the contrary) will also be
stored in these collective files.

Discloser to Third Parties

Information collected on applications, forms, and through
personal correspondence or meetings with advisors and office
personnel is made available only to members of our firm, our
regulators when required by law or regulation, and to the extent of
their implementation requirements, to other financial institutions
utilized in your planning.

Frequently, the financial planning services we provide to our
clients are based on the combined income, assets and objectives of
client spouses. In the absence of a written request to the
contrary, we will allow for the disclosure of personal information
between spouses. We will also provide information,
at your request only, to other third parties such
as other family members, accountants and lawyers.

Record Retention

Personal information provided to us, required for the creation,
updating and management of financial plans and purchase of
financial products will not be destroyed in a scheduled manner.
However, data deemed unnecessary to provide you with financial
planning services and products will be destroyed in a confidential
manner. Some client information is retained indefinitely for legal
purposes.

Accuracy

You have the right to correct any of the personal information we
have on file for you.

Consent

Your consent to the collection, use and disclosure of your
personal information as described in the manner above, is given at
the inception of your relationship with Financial Services Group.
It is your right to withdraw full or partial consent. Please be
aware that withdrawing your consent may prevent us from continuing
to provide you with our services. To withdraw your consent, please
contact us in writing.